a. Comprehensive Insurance Cover
This cover takes care of a wide range of risks that a motorist may suffer in the process of using his/her vehicle. 

The main cover features are as follows;

1. Accidental damage
2. Riot and strikes
3. Special perils which include flood, typhoon, hurricane, earthquake, and volcanic eruption fire, external explosion, self-ignition
4. Theft
5. Windscreen
6. Radio cassette
7. Emergency medical expenses for passengers
8. Towing charges
9. Third party property damage /Third party bodily injury/Death
10. Towing /recovery charges

b. Third Party Fire and Theft

• Accidental damage due to fire
• Theft
• Emergency medical expenses for passengers
• Towing charges
• Third party property damage /Third party bodily injury/Death
• Towing /recovery charges

c. Third party Only.

The following risks are covered:

Third party property damage /Third party bodily injury/Death

Emergency medical expenses for passengers

Motor Commercial Insurance, also known as Own Damage Insurance covers damages to your motor vehicle following an accident, fire, flood or malicious damage. It also covers the theft of the vehicle and the third party liability arising out of the use of the vehicle. The geographical coverage is Kenya but can be extended to cover East Africa.

a. MOTOR COMMERCIAL OWN GOODS:

This is a comprehensive cover that protects the vehicles used by your business for commercial purposes. This includes, but is not limited to minibusses, trucks, tractors, and fleets of vehicles. Our policy has three levels of cover from which you can choose from. Third-Party Only, Third-Party Fire & Theft and Comprehensive.

b. GENERAL CARTAGE:

This insurance offers protection to the insured against third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident. Vehicles under the general cartage category are vehicles used in the transportation of the goods of the insured and/or other parties.

c. GENERAL CARTAGE TANKERS:

It provides comprehensive commercial vehicle insurance to individuals and businesses against accidental loss or damage for your tanker specifically used for the carriage of petroleum products including legal liability to third parties. You can cover a fleet or an individual tanker.

d. MOTOR COMMERCIAL SPECIAL TYPES (Agricultural & Forestry):

This is an insurance cover that protects the vehicles used for special purposes. This includes, but is not limited Agricultural and Forestry Vehicles (Tractors, Harvesters Etc). Our policy has three levels of cover from which you can choose from. Third-Party only, Third-Party Fire & Theft, and Comprehensive.

e. MOTOR PSV PRIVATE HIRE (Chauffeur Driven):

The cover is given for vehicles used for private hire which are chauffeur driven.

f. MOTOR PSV TAXIS (Chauffeur Driven):

This covers passenger service vehicles and offers protection against accidental damage, fire, theft, third party liability and passenger liability. The vehicle must be fully compliant with the PSV rules.

g. MOTOR COMMERCIAL INSTITUTIONAL VEHICLES:

Covers accidental loss or damage to insured motor vehicles and/or death, bodily injury or loss or damage to property of third parties arising out of use of motor vehicles owned and/or operated by the insured. Covers institutions that use their vehicles for their business purposes.

h. MOTOR COMMERCIAL DRIVING SCHOOL VEHICLES:

This is a comprehensive cover that protects the vehicles used by your driving school business for commercial purposes. This includes, but is not limited to minibuses, trucks, tractors and fleets of vehicles. Our policy has three levels of cover from which you can choose from. Third-Party Only, Third-Party Fire & Theft, and Comprehensive

This policy covers loss or damage to the motorcycle and its accessories, including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motorcycle for social, domestic, and pleasure purposes.

The range of cover is the same for private i.e comprehensive, Third party Only and Third-party fire and theft.

Theft cover for accessories and spare parts is excluded unless the motorcycle is stolen.